Patent NZ-576259-A (NZ)
Title: Method and system for cross-issuer registration of transaction cards
Inventor: SHEETS JOHN FOXE
IPC: G06Q20/24
Filed: 2007-09-14
Abstract: A computer implemented method of providing cross-issuer registration of transaction cards issued by the same association and a system of providing cross-issuer registration of transaction cards issued by an issuer are disclosed. The system comprises an Internet server means for receiving a registration code sent from a client representing a transaction card holder. The registration code is associated with the transaction card and an issuer thereof. The system also comprises an Internet server means for determining the issuer of the transaction card based on at least a portion of the registration code; an Internet server means for transmitting the registration code to the issuer of the transaction card and an Internet server means for receiving account information sent from the issuer. The account information is associated with the registration code and with the transaction card. The system further comprises an Internet server means for transmitting for delivery to and display by the client representing the transaction card holder of at least a portion of the account information and a description of one or more services in which to enroll the transaction card holder; an Internet server means for receiving a verification value corresponding to the account information and being sent from the client representing the transaction card holder; an Internet server means for determining if the verification value is valid; and an Internet server means, if the verification value is valid, for receiving a selection of the one or more services in which to enroll sent from the client representing the transaction card holder. The selected one or more services applies to multiple the transaction cards issued by the issuer that were each issued to the transaction card holder. A computer implemented method of providing cross-issuer registration of transaction cards issued by the same association is also disclosed where account setup information sent from a client representing a transaction card holder is received via a website facilitated by an Internet server system. A registration code sent from a client representing a transaction card holder is received via the website facilitated by the Internet server system. The registration code is associated with the transaction card and an issuer thereof, includes a digest created by a hashing algorithm performed upon a Primary Account Number (PAN) for the transaction card less the bank identification number (BIN) and includes an issuer code corresponding to the issuer of the transaction card. The issuer of the transaction card based on at least a portion of the registration code is determined via the website facilitated by the Internet server system. The registration code to the issuer of the transaction card is transmitted via the website facilitated by the Internet server system. Account information sent from the issuer is received via the website facilitated by the Internet server system. The account information is associated with the registration code and with the transaction card; cannot be determined from the registration code; includes an account identifier; and is in encrypted form. At least a portion of the account information; and a description of one or more services in which to enroll the transaction card holder is transmitted via the website facilitated by the Internet server system, for delivery to and display by the client representing the transaction card holder. A transaction Card Verification Value (CVV) for the transaction card that corresponds to the account information is receiving via the website facilitated by the Internet server system and is sent from the client representing the transaction card holder. If the verification value is valid is determined via the website facilitated by the Internet server system and if the verification value is valid a selection of the one or more services in which to enroll sent from the client representing the transaction card holder is received via the website facilitated by the Internet server system. The selected one or more services applies to multiple the transaction cards offered by the issuer that were each issued to the transaction card holder and to each which the registration code is also associated.